Office of Human Resources

High Deductible Health Plan (HDHP)

Plan Services Comparisons

The Best Buy HSA HMO High Deductible Health Plan (HDHP) is designed to allow you to be more proactive in your medical care and includes a higher deductible than our other medical plans, but offers a lower rate to employees.

  • You must choose a primary care physician (PCP) from the Harvard Pilgrim Health Care (HPHC) network. This physician will coordinate all of your care, including referrals to specialists.
  • You are required to meet the deductible first before the insurance company begins covering the cost of services. There may be additional copays on some services once the deductible is met. 
  • 2026 Limits:
    • The annual deductible is $2,000 for individuals and $4,000 for a family (multi-tier). The deductible applies to both medical and pharmacy services. The family deductible is an aggregate and not capped individually.
    • The out-of-pocket maximum (OOP Max) is $4,000 for an individual and $8,000 for a family. The family OOP Max is an aggregate and not capped individually.
  • 2025 Limits:
    • The annual deductible is $1,650 for individuals and $3,300 for a family (multi-tier). The deductible applies to both medical and pharmacy services. The family deductible is an aggregate and not capped individually.
    • The out-of-pocket maximum (OOP Max) is $2,500 for an individual and $5,000 for a family. The family OOP Max is an aggregate and not capped individually.